eHealthInsurance.com Investor Relations – News Release

Short-Term Health Insurance is Still Affordable and Popular Among Younger Adults, According to eHealth Analysis

The average monthly premium for short-term coverage is $109 for
individuals, $264 for families; 60 percent of individual short-term
applicants are age 18-34

MOUNTAIN VIEW, Calif.--(BUSINESS WIRE)--Nov. 9, 2017--
Today eHealth, Inc. (NASDAQ: EHTH), which operates eHealth.com,
a leading private online health insurance exchange, released data on
costs and shopping trends among short-term health insurance shoppers at
eHealth.com for the period between the 2017 and 2018 open enrollment
periods (February – October 2017).

Highlights of eHealth’s analysis include the following:

Individuals paid an average monthly premium of $109, compared to an
average premium of $110 during the 2016 calendar year1.

Families paid an average monthly premium of $264, compared to an
average premium of $276 during the 2016 calendar year1.

Individuals age 18-24 paid an average monthly premium of $63 while
individuals age 45-54 paid an average monthly premium of $170.

60 percent of all individual short-term applicants were between ages
18 and 34, compared to 58 percent in 2016.

By contrast, the average monthly premium for Obamacare-compliant major
medical health insurance plans selected by eHealth shoppers during the
2017 open enrollment period (November 1, 2016 – January 31, 2017) was
$378 for individuals and $997 for families2.

“Short-term health insurance isn’t the right fit for everyone, but it’s
an important option for many and the short-term market is showing
remarkable affordability and stability compared to the market for major
medical health insurance,” said eHealth CEO Scott Flanders. “It’s no
wonder that young people and others who can’t afford major medical
coverage often turn to short-term health insurance and other products
like medical insurance packages, which eHealth offers in addition to
Obamacare-compliant coverage.”

Mr. Flanders continued: “The Trump administration has signaled its
intent to once again allow short-term health insurance policies to be
purchased for periods longer than 90 days, and we applaud this decision.
Short-term coverage continues to be a popular alternative with consumers
who cannot afford Obamacare coverage without subsidies.”

Short-term health insurance plans do not meet the coverage requirements
of the Affordable Care Act (the ACA or Obamacare law). Short-term health
insurance provides limited coverage for unexpected medical expenses for
a 90-day period. In particular, short-term health insurance does not
provide the full set of minimum essential coverage required by the ACA.
It does not count as qualifying health insurance under the ACA, so
consumers with short-term health insurance may still face a tax penalty
under the ACA. It is possible to be declined for short-term coverage
based on pre-existing medical conditions.

Refer to the methodology note below for information on the collection
and analysis of this data.

Average premiums (monthly) and
deductibles nationwide

Averageindividualpremium

Averageindividualdeductible

Averagefamilypremium

Averagefamilydeductible

$109

$4,608

$264

$8,785

Average premiums (monthly) and
deductibles for individual coverage by age

Averageindividualpremium

Averageindividualdeductible

Under age 18

$60

$3,384

Age 18-24

$67

$5,101

Age 25-34

$83

$4,501

Age 35-44

$110

$4,416

Age 45-54

$170

$4,763

Age 55-64

$253

$4,940

Average premiums (monthly) and
deductibles by state

Averageindividualpremium

Averageindividualdeductible

Averagefamilypremium

Averagefamilydeductible

AK

$118

$2,949

NA

NA

AL

$97

$5,416

$251

$9,944

AR

$85

$5,478

NA

NA

AZ

$92

$4,648

$201

$7,678

CA

$187

$4,246

$496

$10,638

CO

$83

$3,815

$236

$9,680

CT

$144

$5,450

$359

$7,598

DC

$117

$4,008

NA

NA

DE

$99

$4,852

NA

NA

FL

$114

$4,825

$283

$9,262

GA

$97

$5,378

$249

$9,352

HI

$84

$3,588

NA

NA

IA

$88

$4,764

$174

$7,030

ID

$74

$3,537

$207

$8,653

IL

$102

$4,956

$247

$8,170

IN

$85

$4,791

$218

$9,409

KS

$109

$4,943

$215

$7,787

KY

$94

$5,043

$237

$8,348

LA

$131

$4,582

$272

$9,506

MD

$79

$3,374

$206

$8,145

ME

$93

$3,724

NA

NA

MI

$87

$4,874

$196

$8,271

MN

$73

$3,399

$199

$8,447

MO

$81

$4,392

$194

$8,920

MS

$105

$5,346

$252

$10,110

MT

$86

$3,563

$252

$9,224

NC

$85

$5,003

$236

$7,924

ND

$96

$3,669

NA

NA

NE

$83

$4,952

$227

$8,339

NM

$145

$3,864

NA

NA

NV

$111

$4,924

$229

$9,053

OH

$80

$4,915

$197

$7,741

OK

$91

$5,152

$212

$9,411

OR

$104

$4,238

$231

$7,518

PA

$104

$5,061

$254

$8,751

SC

$113

$5,254

$238

$8,766

SD

$89

$3,638

NA

NA

TN

$70

$3,881

$176

$9,665

TX

$125

$4,771

$311

$9,506

UT

$64

$3,541

$190

$8,817

VA

$101

$4,938

$270

$7,882

WA

$289

$1,731

$654

$5,715

WI

$99

$4,665

$252

$7,791

WV

$119

$4,824

NA

NA

WY

$117

$4,576

NA

NA

Methodology note

In preparing the data presented here, eHealth reviewed applications
submitted through its website (eHealth.com) for short-term health
insurance plans by individuals and families between February 1, 2017 and
October 15, 2017. More than 50,000 short-term applications were included
in the analysis. Short-term applications were gathered from every state
in which eHealth offers short-term health insurance coverage.
State-specific figures are only provided when the sample size within a
given state reaches a minimum of 100 submitted applications. Family
coverage includes submitted applications for two or more people under
the same policy. Information provided in this analysis reflects
short-term health insurance applications submitted through eHealth.com
only and may not reflect costs and trends across the nation as a whole
or in any given state.

eHealth, Inc. (NASDAQ: EHTH) owns eHealth.com, a leading private online
health insurance exchange where individuals, families and small
businesses can compare health insurance products from brand-name
insurers side by side and purchase and enroll in coverage online and
over the phone. eHealth offers thousands of individual, family and small
business health plans underwritten by many of the nation's leading
health insurance companies. eHealth (through its subsidiaries) is
licensed to sell health insurance in all 50 states and the District of
Columbia. eHealth also offers educational resources, exceptional
telephonic support, and powerful online and pharmacy-based tools to help
Medicare beneficiaries navigate Medicare health insurance options,
choose the right plan and enroll in select plans online or over the
phone through Medicare.com (www.Medicare.com),
eHealthMedicare.com (www.eHealthMedicare.com)
and PlanPrescriber.com (www.PlanPrescriber.com).